保险公司直接把钱从银行划走,安全吗?

作者: 发布时间:2017-12-09 17:20:10  来源: [手机访问]
导读: 来源:琅琊新闻网小A最近有个困惑:自己1个月前买了份保险,昨天收到某银行的短信通知,说自己银行卡上的钱被扣除XXX元,吓出一身冷汗,给银行打电话咨询后才知道
保险公司直接把钱从银行划走,安全吗?

来源:琅琊新闻网

小A最近有个困惑:自己1个月前买了份保险,昨天收到某银行的短信通知,说自己银行卡上的钱被扣除XXX元,吓出一身冷汗,给银行打电话咨询后才知道被扣除的部分是保费。

在没有客户密码的情况下,保险公司如何直接把保费从银行卡中划走的?这种做法是否合规?在这种情况下,客户的银行账户还是否安全?

1

保险公司能否直接把保费从银行划账?

在回答这个问题之前,先请您区分两个概念:保险公司的收付费方式和银行卡代扣业务。

先是保险公司的收付费形式。根据《关于加强人身保险收付费相关环节风险管理的通知》规定,保险公司可以实施现金和非现金两种收付费方式。保险公司直接或通过第三方以现金的形式收付费就是现金收付费方式;非现金收付费是指保险公司不以现金的形式,而是通过银行等资金支付系统收付费。

保险公司直接把钱从银行划走,安全吗?

银行卡代扣业务是指客户与公司约定通过指定的银行卡以代扣方式自动支付相关费用。目前银行代扣代缴项目已多达30多项,例如最常见的水、电、燃气费及社会保险金的代扣等。一般在你投保时保险公司也会让你确认是否接受这种缴费方式。一些保险公司为防止保险代理人侵吞保费,会委托银行授权保费转账,即保险公司与银行签约后,投保人通过保险公司向银行授权保费转账。

这就回答了开篇小A的问题:签署保单时,只要你把自己的银行账户号码和名称提供给保险代理人,并且在保单上签字同意授权银行“根据保险公司指令,转账支付首期和续期保费”,那么即使没有你的密码,保险公司也可以通过自己的企业网上银行,提出“批扣申请”,就可将保费从客户个人账户划走。

友情提示:

在签署保单之前,一定要细读各项条款!保险标的的情况、保险价值、保险金额、保险风险、保险费率、缴费年限和方式、保险期限违约责任与争议处理等等,然后再签字。

保险公司直接把钱从银行划走,安全吗?

2

自动扣除保费,银行账户能否保证安全?

近几年,保险公司误扣保费的新闻频繁见诸报端。在这种情况下,投保人的银行账户还安全吗?

相关律师表示,原则上保险公司都是按照合同代扣保费,不能多扣客户一分钱。但为避免发生误扣纠纷,建议投保人在给保险代理人提供银行账户号码时不要提供工资卡或常用卡,可以单独办一张银行卡,只存保费,以减少误扣所带来的经济损失。

除现场签署保单外,电销保险也要谨慎。一些朋友会在保险代理人“狂轰滥炸”式电话指导下,稀里糊涂就通过输入“数字”对保险业务进行确认,因此引发纠纷,也不少见。

保险公司直接把钱从银行划走,安全吗?

这时候投保人就容易吃哑巴亏,为啥呢?根据保监会出台的《人身保险电话销售业务管理办法》规定:即使没有投保人签字,但有投保人电话录音授权,保险公司同样可以把保费从客户的账户划走。

对此,有业内人士建议,尽量不要通过电话买保险,不要在电话中透露个人信息。

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